ComplaintsforMidflorida Credit Union

• Initial Complaint

  05/02/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  MidFlorida should be considered two separate banks, one from long ago when they were great, and the current bank, where they’re rotten. Now, they’re ripping my daughter’s account off for $10 $5 last month and I'm sure $5 for this month, because they slipped in a new fee if the account balance isn’t $50 or more. Understand, my daughter has had this account for years and years, MidFlorida sees the opportunity to steal $10 from my daughter and goes for it. I complain, and they say it just started. Never notifying people who’d be affected, you’re supposed to check their fees on a daily basis, and not offering to refund the money they’ve ripped off. And we’ve got enough money there that we’re supposed to be “Relationship” status. Wow, I’d hate to see how they treat the customers they don’t like. A previous incident that they finally did fix: After banking there for decades, I go in and renew a CD with Rosie. She does everything, and never mentions “Oh, by the way, MidFlorida introduced draconian penalties if you’re dumb enough to have a CD here.” So at some point I find out, and have to go to the high-ups to get the CD closed out without penalty. I’m supposed to have noticed on one of the multitude of pages, that still look exactly as always, that they’ve slipped in the new penalties. Remember, banking there for years, Rosie remains mute. The website mentions the cryptic ‘A penalty may be imposed for early withdrawal.” You’re not going to be able to track down that it’s something like FOUR YEARS OF INTEREST on a 5-year CD, no matter when you close it, so essentially you could easily end up paying MidFlorida for the “service” of keeping your money with them. There are plenty of excellent banks where the penalty is reasonable. Then at some point I have to go into the branch again, and she says, "You caused a lot of trouble for me." I waited for a civilized employee for an hour, while some MidFlorida bigshot stood around talking to all the female tellers.

  Business response

  05/25/2023

  Thank you for bringing this to our attention. Your complaint expressed that you were not notified of the changes that were made to our fee schedule, we notified our members of the changes on the January statement and the changes were effective March 1st, 2023. The changes can also be reviewed by visiting midflorida.com/fees. We have provided a refund of the $5 monthly service fee that was charged to your account, but by maintaining an average daily balance of at least $50 in the Regular Savings account the fee will be waived. Your complaint also spoke of the early withdrawal penalties associated with your Certificates of Deposit. The early withdrawal penalties are disclosed on the Truth In Savings Disclosure provided at account opening. The credit union agrees to pay the stated rate through maturity when you open a Certificate of Deposit and will only charge a penalty if you withdraw the funds prior to maturity. We do hope to continue to serve your financial needs and appreciate your membership.

  Customer response

  06/01/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  12/11/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I filed a dispute for Credit card fraud in July 2022 for $70. MidFlorida took 5 months to process the dispute. I called 8 times trying to get more information, finally 2 weeks ago they asked for more information, then immediately denied the dispute claiming it was out of the 90 day window. I filed it correctly, I had all the documentation, it was Midflorida that took to long not a fault of mine.

  Business response

  12/29/2022

  We have reviewed your disputes with a cable provider where you attempted to obtain a refund for the cable services you cancelled due to unsatisfactory installation. MIDFLORIDA was able to process the refund for you which was posted to your account on December 28, 2022.

  Customer response

  01/04/2023

  (The consumer indicated he/she ACCEPTED the response from the business.)
  

• Initial Complaint

  09/13/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  identity theft checking and savings account opened fraudulante in my name with midflorida credit union i did not apply for checking or savings and do not owned any accounts with midflorida i am a identity theft victim someone used my social security number # XXX-XX-XXXX with date of birth ********** to opened and apply i was notified threw chex systems and early warning and have file dispute to remove accounts from my chexsystems and early warning ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXX-XXX-XXXX request all accounts in my name to be permatley closed due to fraud i also added fraud alerts on all consumer reports to prevent further risk's also asking midflorida identify consumer by fraud alert mesures before believing true consumer

  Business response

  11/03/2022

  Consumer Response /* (2000, 6, 2022/09/22) */ My issue is resolved as of september 22, 2022 ******* ****

• Initial Complaint

  07/25/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Unresolved

  More info

  I have my car loan with Mid Florida Credit Union I always had access to my account , balance ,payment history online .I'm not able to see my account since July 12 2022 . When I called today they said is because of the bankruptcy I filled June 3 , 2020 that's been discharged . I been calling sending messages no a reason until today and I was told is because of the bankruptcy.

  Business response

  08/30/2022

  Business Response /* (1000, 9, 2022/07/29) */ The member filed a chapter 7 bankruptcy and did not reaffirm the auto loan. This resulted in limitations on the way in which the credit union is permitted to handle the account. Those limitations are mandated by law, and caused the member's dissatisfaction. Other specific details of the account are protected by privacy laws and cannot be shared in a public forum. Consumer Response /* (3000, 11, 2022/07/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I expressed to you I did filled on June 2020 not on 2022 the information they provide you is not correct also I mentioned I did had access to the online statements and I could made payment using my debit card until July 2022. Therefore after I filled and is bankruptcy is been discharged I did had access to my statements and made payments . My bankruptcy case is ************* and that was entered on June 4 2020 my attorney name is Christopher J S****** . If you need anything other prove please let me know .

• Initial Complaint

  05/08/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Midflorida Credit Union lady Debbie T***** filed a lawsuit against me for a car that i did a voluntary turn in. I called and asked questions in regards to how the process works for voluntary turn in and was told that it would just go against my credit. This Bank is not a bank that does good business practices. They are just wanting me to pay extra money cause i now still have to pay them cause i'm not working and they don't care and we was going through covid at the time. They're not in the interest of others. When i went to court, they did not have the correct contract and judge still did not dismiss case. Was told that I will be getting documents for correct information and not has yet to receive anything yet showing correct information. She gonna say oh the paper work should have been corrected when changes was made.

  Business response

  06/23/2022

  Business Response /* (1000, 9, 2022/05/19) */ The complainant borrowed money in 2019 to purchase an automobile, and added a service contract in 2020. The complainant was dissatisfied with the service contract, and stated that the pandemic made it difficult to make payments on the loan. In 2021, the automobile was voluntarily surrendered, and the service contract was cancelled. A prorated refund was given for the cancelled service contract. The automobile was sold and the sale proceeds applied to the loan balance, according to law, leaving a deficiency balance owed. In 2022, this matter was taken to court and resolved in favor of the credit union. The complainant also requested copies of the loan documents, which will be provided directly to the complainant as requested, together with an explanation of the process. We value all of our members, and do our best to resolve complaints. Consumer Response /* (3000, 11, 2022/05/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) They should not lie and say that I stated that the pandemic made it difficult to make payments on the loan. This is not Accurate, they never asked the reason i was doing a voluntary turn in. Business Response /* (4000, 13, 2022/05/24) */ As requested in your initial complaint, a copy of the loan documents were sent to you.

• Initial Complaint

  02/14/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Since August or September, I've been trying to get my account resolved. When I first called in asking how to make a payment to my credit card, I was told multiple times to call the number on the back of the card, which was incorrect information. I was unable to make a payment because I didn't know how to do so with an outside institution, so my credit card got sent to collections. I was told they were going to garnish my wages because "I made no effort to contact them," when in reality, I was waiting for their manager to come back from vacation to approve my payment arrangement which I called about already. They finally got back to me & we set up an arrangment. Since then, I made multiple payments to my credit card but only one was reflecting so they kept telling me I only made one when I knew that I had made two in January. They FINALLY found the payment but nobody ever apologized for the gaslighting. Today (2/14/22), I called because I noticed there was a late fee (in February) even though I made two payments in January prior to due date. The collector I've been working with was unavailable and her mailbox was full, so I called the main collection's # to ask about the late fee. I let the collector on the phone know that I had been working with someone but their mailbox was full. Instead of investigating my question, she told me the late fees accrue when no payment is made. So I corrected her that in fact, two payments had posted in January, she then asked me the name of whom I had been speaking with, and without hesitation nor informing me, she transferred the call BACK to who I had just told her I tried calling but her mailbox was full. This has been a complete nightmare & has been taking a toll on my mental health which is affecting all aspects of my life. When I tried to escalate & let a manager know, they seemed to not be interested in my concerns. When I let the collector know how I had been treated, she laughed and said, "That's just how it is sometimes."

  Business response

  03/14/2022

  Business Response /* (1000, 5, 2022/02/16) */ The credit union has had the opportunity to resolve these matters with the member.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩